Being in a car accident is overwhelming. Between getting medical care, arranging for car repairs and dealing with insurance companies, it’s hard to figure out what steps you need to take.
With everything going on, it’s easy to make mistakes. Unfortunately, even small missteps after a car crash can hurt your chance of receiving fair compensation. But by knowing what to avoid, you can protect your health and your claim.
1. Not seeking medical attention right away
It’s common to feel fine after a crash. However, that doesn’t mean that you aren’t injured. Many injuries, such as whiplash, concussions and internal injuries, can take hours or days before symptoms appear. In addition, the rush of adrenaline that you receive immediately after your accident can mask some of the pain you may experience.
If you wait too long to see a healthcare provider, the insurance company may argue that your injuries weren’t serious or weren’t even caused by the accident. This could significantly reduce the compensation you receive. Getting prompt medical attention after your accident not only protects your health, but it also creates a medical record linking your injuries directly to the crash, which is crucial for your claim.
2. Being too helpful with the insurance company
After your accident, the other driver’s insurance company may soon contact you. They may seem friendly, but their primary focus is the company’s bottom line. Therefore, they will look to minimize how much they pay you.
The desire to appear cooperative and helpful is natural. Some people make the mistake of giving a recorded statement, speculating about what happened or even apologizing. The insurance adjuster can later use your words against you.
You don’t have to give a recorded statement to the insurance company. When they call, keep your conversation short, factual and never admit fault or apologize.
3. Waiting too long to gather evidence
Over time, crucial evidence from your accident can disappear. Skid marks fade, damaged vehicles are repaired and witnesses’ memories become less clear. The longer you wait to collect evidence, the harder it is to prove what happened.
Take photos of the scene, your injuries and vehicle damage as soon as possible. Get the names and contact information of witnesses.
You also need to contact a legal professional after your car accident. Their expertise is invaluable as they can help gather evidence, negotiate with the insurance company and fight to maximize your compensation.
